“Compare and save: InBudget’s rates vs. the big banks. The numbers speak for themselves.”
OUR 5-YR FIXED RATE:
4.14%*
OUR 5-YR VARIABLE RATE:
4.40%*
OUR 3-YR FIXED RATE:
4.19%*
OUR BEST HELOC RATE:
5.60%*
SECOND MORTGAGE RATE:
9.99%*
OUR 5-YR FIXED REVERSE MORTGAGE RATE:
6.49%*
Today’s Best Alternative (“B”-Lender) Mortgage Rate:
5.14%*
“Your bank’s rate isn’t the best you can do. We’ll prove it.”
*OAC. Rates are subject to change without notice.
Today’s Best 3-YR Fixed Mortgage Rates from Top Canadian Lenders
Below is a sample comparison. For real-time quotes, contact us or use our full rate comparison tool.
| Lender | Term | Rate | Type |
|---|---|---|---|
| CIBC | 3-Year | 4.29% | Fixed |
| TD | 3-Year | 4.49% | Fixed |
| ScotiaBank | 3-Year | 6.05% | Fixed |
| RBC | 3-Year | 4.44% | Fixed |
| BMO | 3-Year | 4.44% | Fixed |
| National Bank | 3-Year | 4.44% | Fixed |
OUR 3-YR FIXED RATE: 4.14%*
*OAC. Rates are subject to change without notice.
Today’s Best Variable Mortgage Rates from Top Canadian Lenders
| Lender | Term | Rate | Type |
|---|---|---|---|
| CIBC | 5-Year | 4.65% | Variable |
| TD | 5-Year | 4.79% | Variable |
| ScotiaBank | 5-Year | 6.35% | Variable |
| RBC | 5-Year | 4.58% | Variable |
| BMO | 5-Year | 4.65% | Variable |
| National Bank | 5-Year | 4.45% | Variable |
Compare the Best Mortgage Rates in Canada for 2025
Looking for the most competitive mortgage rates in Canada? Whether you're buying your first home, refinancing, or renewing your mortgage, comparing rates can save you thousands.
Current Mortgage Rate Trends in Canada
Canadian mortgage rates fluctuate based on the Bank of Canada’s policy rate and lender competition. As of mid-2025, fixed and variable rates remain historically competitive.
Fixed vs. Variable Mortgage Rates
- Fixed Rates: Stay the same for the term. Ideal for stability and budgeting.
- Variable Rates: Can change with the market. May offer lower initial rates.
Today’s Best 5yr-Fixed Mortgage Rates from Top Canadian Lenders
A fixed rate mortgage offers stability, and with it, peace of mind. Once you’ve selected your term, you can be assured your interest rate won't change for that period of time. For real-time quotes, contact us.
| Lender | TERM | RATE | TYPE |
|---|---|---|---|
| CIBC | 5-Year | 4.44% | Fixed |
| TD | 5-Year | 4.59% | Fixed |
| ScotiaBank | 5-Year | 5.40% | Fixed |
| RBC | 5-Year | 4.49% | Fixed |
| BMO | 5-Year | 4.64% | Fixed |
| National Bank | 5-Year | 4.49% | Fixed |
"Get Approved at a better rate — without bank headaches."
"Banks say no. We say yes — at better rates."
OUR 5-YR FIXED RATE: 4.19%*
*OAC. Rates are subject to change without notice.
Today’s Best Reverse Mortgage Rate
5-YR FIXED 6.49%*
*OAC. Rate subject to change without notice.
Self-Employed with Variable Income
Brusied or Bad Credit
Declined By a Bank
Need a Short-term Mortgage
Unlock Home Equity
Today’s Best Alternative (“B”-Lender) Mortgage Rate
An alternative mortgage is a home loan provided by a lender outside the traditional banking system. These mortgages are often designed for borrowers who don’t meet the strict criteria of major banks but still want to buy, refinance, or invest in property.
3-YR FIXED 5.14%*
*OAC. Rate subject to change without notice..